Tag Archives: Credit

Getting A Good Credit Scoring Mark

Credit marking is an crucial scene of life. Paying your bills on time, tells employers and businesses that you are a good financial risk and will give you a good reference grade. Data like this can be utilized by many establishments. Most individuals don’t visualise that Receiving a healthy credit history can help them with job opportunities, applications for credit cards, purchasing a new house or even a new motorcar.

If you wish to purchase a new house or automobile, then your credit history must be in healthy standing. A individual who wants long term fiscal freedom must fix any harm in a prompt manner so that they can purchase large items and take fantastic vacations on their new charge card. There are free ways to finding this information without too much work.

You can pick up out your credit grade on the web as they are many businesses that provide this data for free. Individuals can check their credit grade each year from these types of businesses. These businesses will ask you a few easy questions which most individuals would be able to answer off the top of their head. Your credit mark and any outstanding debts] would then be available to view. If an person sees that they have terrible credit or the credit marking will not allow them what they desire, there are assorted methods to rectify this situation.

The first step an individual needs to do to have a higher credit mark is to pay off old accounts. Your credit marking will increase vastly if you do this for debts as old as 10 years. A no credit or bad credit Master Card can be obtained as soon as people bills] are wiped clean. This will be helpful for a person to begin gaining a marvelous credit mark and be able to buy their dream home or vehicle.~This can aid a person to increase their credit score, which will enable them to buy a new automobile or their dream home. Paying off any old bills] will help a person increase their credit score and assist them to purchase luxury items on the credit.

It takes only a few short months to gain bad credit and it takes a few years to make a better credit grading. Once you have your new credit card buy one or two items, and then pay them off straightaway. Once you have shown your charge card company that you can pay off the balance quickly, they will increase the amounts you can spend and at the same time step-up your credit rating.

Everyone has problems like this in their lifetime. Not being able to pay your bills, for a few months may be a trouble. Suddenly your credit history starts to fall, this is when many individuals have problems with debt. There are numerous ways that an person can increase their credit score to a level where they have no problems in purchasing items on credit. Just because you have found a few troubles in your life it doesn’t mean that you will never be able to buy items on credit.

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What is a balance transfer? Is it a good idea? - Credit Card Insider

See our favorite balance transfer cards here:
https://www.creditcardinsider.com/editors-best-card-picks/the-best-balance-transfer-credit-cards-2016/

And learn more about balance transfers here: https://www.creditcardinsider.com/learn/balance-transfers/

Today’s video is all about balance transfers on credit cards:
– What is a balance transfer offer?
– Why would I want to transfer a balance?
– Is a balance transfer a good idea?

Balance transfers with 0% APR periods may sound like a great idea in the short term, but they’re only helpful in the long term if you have a solid plan for how you’re going to pay off the debt before the 0% period runs out!

See what your credit card offers say about your credit:
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http://www.bloomberg.com/news/articles/2015-11-17/why-credit-card-companies-keep-sending-you-mail

Every Thursday we answer YOUR credit questions. Email us or comment with your questions and we may answer your question on YouTube!

To learn about credit scores, credit reports, managing debt, and how credit cards work, check out our learn section at https://www.creditcardinsider.com/learn/

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Contacting The Credit Bureaus

Your credit needs some restoration and you opted to do it yourself. If that is the case, you have to contact the credit bureaus. There are three ways to contact the bureaus that we will discuss, they are:

Phone
Snail Mail
Online

Phone- you can call the credit bureaus directly for such reasons as: denial of credit or entitled to a free credit report, placing a fraud alert, placing a security freeze or simply disputing an item. If you plan on disputing an incorrect item by phone make sure you have your most recent credit report. On the report you will find a telephone number to initiate the dispute. For any of the other reasons, you can simply go to the credit bureaus website (of the one in which you wish to contact) and get the necessary number.

Snail Mail- snail mail is an effective approach of contact and even though it is slow it does have its advantages. Credit bureaus are bombarded daily (by the millions) with letters from consumers alike. Should you choose to dispute an item by mail you will need to track the letter. For this I suggest you send it certified mail, return receipt requested.

Online – you can contact the credit bureaus on line for numerous reasons, such as the ones listed above. However should you choose to dispute an item on line, I would also opt to do it by mail. Combining the two together has resulted in some very favorable results for my clients and if by chance the credit bureau can’t answer one of the disputes within the 30-day time frame it has to be removed.
A little hint (When restoring clients credit I opt to do what I call the “Trilateral Attack”, it is the utilization of the three combined and it yields some amazing results.)

OK, now you know the different ways in which you can contact the credit bureaus. Now I am going to briefly show you how to effectively launch a credit cleaning campaign utilizing all three methods of contact. I use it all the time with my clients and have great success.

First I would get my most recent credit report from all three bureaus, then I would sit down and go over each of them. I would mark all information that I felt was incorrect, such as: names, AKA’s, previous addresses, negative accounts and public records from the three. I would gather the bureaus contact info and call each of the bureaus individually to open a dispute and ask them to correct the information in question.

Next, over the course of a few days (maybe a week) I would sit down and formulate a well thought out and well written letter. In it, I would vent my frustration a little and let them now how upset I am about the fact that they are reporting false information on my credit report. I would be very specific in what it is that they are reporting incorrectly and what I would like them to do with it. Such as: “The following account is incorrect as it is not mine.” “Please investigate the account to its entirety within the 30-days provided by law or remove it.” I would gather the letters, notarize them (a little trick that works for me, but not necessary) address them and send them out to each of the credit bureaus by certified mail. Make sure you send them certified, as you might have to show proof later that you sent them.

Finally, while the letters were in transit I would hop on the computer and start an online dispute with the three credit bureaus.

Even though this might seem like a lot of work, and it is, the results you will see are well worth it. I would continue the process until I seen the results that I was looking for, but be careful not to do it too much. If you do it about 5 to 10 days after each response from the credit bureaus you should be fine. Good Luck!

You can go here to sign up for our newsletter or to find out more about having foreclosures, bankruptcies, late payments and other derogatory items removed from your credit report contact creditexpert@scrubyourcredit.com or at: http://www.scrubyourcredit.com

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http://www.equifax.com/home/en_us
1 Credit monitoring from Experian and Transunion will take several days to begin.
2 We will require you to provide your payment information when you sign up. We will immediately charge your card the price stated and will charge the card the price stated for each month you continue your subscription. You may cancel at any time; however, we do not provide partial month refunds.
3 The credit scores provided under the offers described here use the Equifax Credit Score, which is a proprietary credit model developed by Equifax. The Equifax Credit Score and 3-Bureau credit scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files. The Equifax Credit Score is intended for your own educational use. It is also commercially available to third parties along with numerous other credit scores and models in the marketplace. Please keep in mind third parties are likely to use a different score when evaluating your creditworthiness. Also, third parties will take into consideration items other than your credit score or information found in your credit file, such as your income.
4 Identity theft insurance underwritten by subsidiaries or affiliates of American International Group, Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions and exclusions of coverage. Coverage may not be available in all jurisdictions.

Griphop by Kevin MacLeod is licensed under a Creative Commons Attribution license (https://creativecommons.org/licenses/by/4.0/)
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What You Should Know About Christian Credit Debt Counseling

Many people are looking for debt relief in this time of economic uncertainty. Debt can be a big source of stress and can put a strain on other areas of your life. The sooner you realize you need debt help, the sooner you will be able to develop a debt management plan and get the debt help that you need. And that help can be found debt management plan.

Christian credit counseling can help with both the debt management part of the problem and the stress part of the problem. These debt counseling agencies can be a great relief during a very trying time in your life. There are also support groups that can help people that are in a similar financial state. Debtors Anonymous is a group of individuals that are in debt or have been debt that help each other through moral support and working to find out why they overspend. Its members share how they got in debt and what they did about the debt problem. This group works especially well if debt is a result of compulsive spending.

Consumer credit counseling is a debt relief solution that consolidates your debt without a loan. Just a side note, but if you have debt problems, you should never take out a secured loan to consolidate your debt. Your creditors can foreclose on your home for unpaid credit card debt. An unpaid home equity loan is a different story.

Credit counseling is about working with company to develop a debt management plan for repaying your creditors. All interaction with your lenders are handled by the credit counseling company. Your credit counselor will help you make out a budget that will work for you and many of these organizations have online tools to education on managing your finances and building wealth.

Two of the biggest benefits of credit counseling is the consolidating of debts, allowing you to make one convenient monthly payment. One of the most difficult things about having overwhelming debt is keeping track of who and when you have to send monthly payments to.
The second big benefit of credit debt counseling is the reduction and possible elimination of the interest rates on your accounts. Some of you accounts will have interest rate reduction of as much as 20 percent. This can save you hundreds and maybe thousands over the life of the debt management plan.

If you feel you are drowning due to debt, research your debt relief options and find the one that will work best for you and follow through with the plan. The worst thing you can do is nothing. The longer you wait the fewer choices you will have to eliminate your debt. Christian credit debt counseling can truly get you on the road to eliminating your debt as well as your stress.

Find out how Christian credit debt counseling can get you on your way to debt freedom. A debt consolidation program is your first step towards financial stability.

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How To Get Your Credit Reports Free Online – Free Credit Report

How To Get Your Credit Reports Free Online - Free Credit Report

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Free Credit Report

The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months.

This video shows how.

You can get your FREE annual credit report from AnnualCreditReport.com
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A message from the Federal Trade Commission: Only AnnualCreditReport.com provides you with a truly free credit report. Its the only authorized source to get your free credit report under federal law.

Disputing Your Credit Report And Removing Negative Information

Experts estimate that 25% of all credit reports contains a blatant error. In other words 1 in every 4 people have a mistake on their credit history. This mistake could be costing you real money and higher interest rates, down payments, and potentially rejection for financing.

Congress passed laws that gives every US citizen the right to dispute any item on their credit report. You can dispute an item if you feel it is inaccurate or incorrect.

A negative item on your credit report can be inaccurate because: the dates are wrong, the balance is incorrect, the debt is older than 7 years, it is not your account, the account is paid, it is not a valid debt… In other words an item can be incorrect on your credit report for all sorts of reasons not just that it is not your account.

The law that entitles you to do this is called the Fair Credit Reporting Act. This law also requires the credit bureaus to investigate your dispute and it says if the bureaus are unable to verify the account with the lender or collection agency then it must be removed from your credit report.

It is estimated that up to 70% of all bureau investigations result in the lender not verifying the debt. This means that the item gets removed from your credit report and you’re one step closer to having a clean credit history.

As a result of our recent economic recession banks and lending institutions have completely revamped their approval requirements. To be approved for financing at competitive interest rates you must have a 700 credit score or higher. The average credit score in America is a 611, in other words rejection for financing or outrageous interest rates.

What Are The Steps Involved In Filing A Dispute?

1. Get Your Credit Report From Each Bureau – commonly the information on your report is going to vary between all 3 credit bureaus. An easy way to get blacklisted by the bureaus is to file a dispute for an item that is not reported with that bureau report.

2. Create Your Dispute Letters – in this letter you need to include your personal information, the item you are disputing, the reason you’re disputing it, and any supporting documentation you may have. This letter needs to be mailed to each credit bureau, 3 letters in all. You should mail this letter through certified mail so you have documentation that you filed your dispute.

3. Get Organized – unfortunately when the credit bureaus investigate your dispute they are only going to be spending money. There are no profits to generate from correcting information the credit bureaus collect about you and they are therefore very reluctant to investigate consumer disputes.

They do so only because they are required to by law and have a poor history of following that evidence by the many FTC fines that the credit bureaus have paid over the years. You will typically get a letter from them requesting more information.

This is nothing more than a stall tactic however you should comply and send in any additional information that they may be requesting. Additionally you need to make a note of this and where your dispute is in the process with each of the 3 credit bureaus.

4. Investigation – if you remain persistent and organized eventually the credit bureaus will investigate your credit report dispute. They’re going to contact the lender and ask them to verify the debt, the balance due, and the dates reported. If this information is not verified then the account must be removed from your credit report.

5. Check Your Mailbox – the credit bureaus are going to notify you of the results of their investigation, if the item was removed or verified. Celebrate your victories and just because you have an item verified on your credit report it still does not mean it has to stay there. There are other options to remove negative information from your credit report and without just waiting 7 long years. Don’t just live with bad credit, take actions they and use your rights to ensure that only information that is correct is reported on your credit history.

For a free credit consultation call 1-800-483-0256 or for more about how to dispute credit report and improve your credit history visit us.

Pull your free credit reports from all three credit bureaus once a year from https://www.annualcreditreport.com: Experian, Equifax & Transunion

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How To Rebuild Your Credit – 5 Easy Ways

Cannot just stay with bad credit for 7 long years. As an alternative, use these 5 easy methods to rebuild your bad credit to get more see http://www.yourbadcreditcard.net/how-to-rebuild-credit/

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Just how to tidy up credit report:

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Crush Credit Card Debt with Consumer Credit Counseling

Have you been constantly worried about ways to get eliminate personal credit card debt? End worrying and begin thinking because in today’s tough economy, help pay-off credit debt is currently easily available from many genuine credit card debt solutions sources. Non-profit credit and debt counseling resources now provide help for trapped consumers who want to repay their debt for good! Many local sources exist wherein they could help consumers in credit card guidance and thus support them in fixing the mess and reallocating their particular debt payment plan into a manageable way.

In the present economy an individual may access a credit card effortlessly with a simple application. Thus with all the rising range credit card people, how many consumer bankruptcies have increased highly besides. Ergo using this developing wide range of consumer bankruptcies, many credit card debt relief sources are working hard to assist consumers with credit guidance and supply approaches to relieve their particular financial obligation problems.

A fast search via internet or a phone directory site would yield abundant causes the charge card counseling and credit and debt settlement styles. These types of credit and debt guidance companies enable the debtor to fight the credit issue that is due to easily available credit terms and chart out a workable monetary plan where the debtor is able to responsibly pay off his personal credit card debt.

With the assistance of these consumer credit guidance organizations it is possible to solve your credit debt problems. These different credit card counseling organizations will endeavour to negotiate for reduced payments and curiosity about reducing the quantity of financial obligation owed to your standard bank. Therefore it acts as a way of paying down your debt for fewer interest and time compared to initial contract provided.

Furthermore, it should be mentioned that while seeking help in settling credit cards financial obligation, the customer debtor is regarding safer part if he/she features a professional advisor working on her/his behalf.

We’re passionate about consumer credit guidance. Please read more about our debt administration solutions company with this page credit card counseling.

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How to Build Your Credit Score on CNN TV

How to Build Your Credit Score Click Here: http://www.HowToRaiseCreditScoreFast.com

Card issuers are loosening up their lending requirements. CNNs Felicia Taylor talks about building your credit score.

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3 Reasons Why You Need A Cash Back Credit Card

If you’re like most people, then you probably already have a credit card to help you consolidate your expenses, cover you in case of emergency, or finance large purchases. However, you need to know that if that card isn’t a cash back credit card, then you’re not even coming close to getting everything you can out of your credit. The truth is, credit isn’t just about simple convenience anymore. More and more credit companies are finding out that if they want your business, then they need to offer their customers something extra when it comes to the programs they choose.

1. Using any card other than a cash back credit card means you’re losing money.

Everyday, run of the mill credit cards just offer you the convenience of using the card and that’s it. However, a cash back reward card actually offers you something in return – a cash return on every single purchase you make on the card itself. Depending on the card you use, you could be enjoying savings at rates up to 5%. Could you stand to benefit from getting 5% off items like your electric bill? How about your nights out with friends, medical expenses, or pretty much anything else under the sun? If so, then you owe it to yourself to make the switch as soon as you can. Every day you delay means more money lost!

2. Cash back reward credit cards are inexpensive to use.

Regular credit cards charge sky-high interest rates and sometimes even hefty annual fees just to be a part of their program. However, cash reward cards have some of the lowest annual interest rates on the market and many do not charge any type of annual fee either. Choose the right card, and you can even benefit from an amazing 0% APR for the first 12 months you have your account to help get things off on the right foot. Keep your balance low and pay it off in full whenever you can to help keep your APR low and maximize rewards even further.

3. Save the most on your everyday essentials.

Did you know that many cash back rewards credit cards allow consumers to earn rewards at even greater rates for purchases on essentials like groceries or gasoline? Fuel prices especially are putting quite a dent in the average person’s bank balance these days, so this is a major benefit to consider. Before filling out a cashback credit card application, do your homework as far as what is available and keep your eyes open for a program that will offer you this priceless opportunity to save even more.

These major program benefits and many like them are yours in addition to the other perks that come along with using credit to help manage your finances. Credit is much safer and more effective than cash or debit cards when it comes to fraud protection. Customer service is more accessible and more efficient. Plus, using your credit wisely helps increase your overall credit rating, making it easier to be approved for lower rate mortgages and loans or even to get a job. With a cash back reward credit card in your pocket, the sky’s the limit when it comes to streamlining your finances and making your hard-earned money go further than it ever has before.

Apply for cash back credit cards to start earning cash back. Or if you prefer to travel, apply for an airline credit card.

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